Switching Made Simple:
By Ryann Swift on May 1, 2025
The way small business owners approach insurance is undergoing a significant transformation. Recent research from NEXT Insurance, which serves over 600,000 small businesses across the U.S., shows that more entrepreneurs are opting to manage their insurance needs independently—often through digital platforms.
This shift reflects broader trends in the insurance industry, where ease of access, affordability, and customization are becoming top priorities for small business owners. As a result, online providers like NEXT are playing an increasingly central role in how coverage is selected and purchased.
As a small business owner, you've likely experienced the frustrations of conventional business insurance: confusing terminology, inflexible policies, and time-consuming paperwork. These pain points are driving a significant shift in how entrepreneurs approach protection for their businesses.
The data shows three primary motivations behind insurance decisions:
Why Small Business Owners Are Rethinking Their Coverage
Nobody wants to go through the hassle of reading everything there is to know about insurance. With as much liability we have lying around, not having the right insurance would put my personal assets at risk.
The NEXT Advantage: Insurance Designed for Today's Entrepreneurs
Visit NEXTinsurance.com and get your instant quote, and enjoy 100% instant
online access to your insurance.
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NEXT Insurance was built specifically to address these challenges, with a focus on simplicity, customization, and accessibility. As Chris Rhodes, Chief Insurance Officer at NEXT, explains, “At NEXT Insurance, we come to work every single day focused on serving small business owners. In that focus, we're able to simplify the purchase process, service claims, and provide coverage to make insurance easy."
The benefits of transitioning to NEXT include:
1. Dramatic Time Savings
The entire insurance process—from quote to coverage—can be completed online in about 10 minutes. No paperwork, no phone calls, and an immediate certificate of insurance you can share instantly at no additional cost.
For business owners like Neil Newcomb of ATL ProWinds, this efficiency is invaluable. "NEXT has a website that is easy to operate, the mobile app was integrated so well, and getting proof of insurance was simple. I can just open my phone and send out any form that I need to. NEXT makes my job easier."
Rather than one-size-fits-all policies, NEXT offers tailored coverage options specific to your industry and business size. This ensures you're not paying for irrelevant protection while still securing the coverage you need.
As Scott, a NEXT customer, notes: "With no large down payment like most insurance companies! With this company, you only pay your first payment!! Great idea for contractors that are getting their company up and going."
2. Customized Protection That Makes Financial Sense
1. Embrace digital tools
Legal compliance (22%): Purchasing the minimum coverage required by law
Maximum protection (21%): Seeking the most comprehensive coverage possible
Selective risk coverage (21%): Targeting specific vulnerabilities unique to their business
Sponsored by NEXT Insurance
Get Started
Visit NEXTinsurance.com and get your instant quote, and enjoy 100% instant online access to your insurance.
The NEXT Advantage: Insurance Designed for Today's Entrepreneurs
Nobody wants to go through the hassle of reading everything there is to know about insurance. With as much liability we have lying around, not having the right insurance would put my personal assets at risk.
Why Small Business Owners Are Rethinking Their Coverage
As a small business owner, you've likely experienced the frustrations of conventional business insurance: confusing terminology, inflexible policies, and time-consuming paperwork. These pain points are driving a significant shift in how entrepreneurs approach protection for their businesses.
The data shows three primary motivations behind insurance decisions:
By Ryann Swift on May 1, 2025
Back to Hub
Get Instant Quote
NEXT Insurance Is Here for Small Businesses
Switching Made Simple:
Taking Control of Your Business Insurance
To make the most of your small business insurance coverage:
The Simple Path to Better Coverage
The transition to NEXT is designed to be seamless. Their platform eliminates complicated paperwork and phone calls, allowing you to get comprehensive coverage quickly while managing your policies 24/7 via web or mobile app.
As NEXT customer Michael D. attests after 15 years in business: "I've NEVER had a more pleasant experience dealing with an insurance company. It was easy, cheap, and very user-friendly."
Small business ownership presents enough challenges—your insurance shouldn't be one of them. By switching to coverage built around the specific needs of modern entrepreneurs, you're not just buying a policy; you're investing in your business's future with protection that works as hard as you do.
With over 1,300 different types of businesses covered, thousands of positive reviews, and a 4.7/5 customer rating, it’s time to discover what thousands else have already.
Despite the critical importance of proper coverage, NEXT research reveals a concerning trend: 90% of small business owners lack confidence they have enough insurance, and a staggering 96% don't fully understand general liability insurance—one of the most fundamental policies for protecting a business.
“Nobody wants to go through the hassle of reading everything there is to know about insurance,” says NEXT customer Neil Newcomb, owner of ATL ProWinds, an instrument repair shop. “With as much liability we have lying around, not having the right insurance would put my personal assets at risk.”
This knowledge gap creates dangerous exposure. Without adequate understanding of your coverage needs, your business remains vulnerable to potentially devastating financial losses from claims or lawsuits that could have been easily covered with the right policy.
—Neil Newcomb,
owner of ATL ProWinds
When incidents occur, quick resolution is crucial. NEXT's streamlined claims process delivers when it matters most, as experienced by Roshanda King, owner of Rozay's Boutique, who filed a claim that NEXT paid out in less than 24 hours.
3. Peace of Mind Through Responsive Claims Support
Taking Control of Your Business Insurance
To make the most of your small business insurance coverage:
Use online resources to compare policies and receive customized quotes tailored to your specific needs. NEXT offers instant quotes for easy comparison.
1. Embrace digital tools
Don't settle for generic coverage. Ensure your policy addresses your particular industry risks without paying for unnecessary protection. NEXT offers tailored solutions for over 1,300 types of businesses, from Amazon sellers to Yoga instructors and everything in between.
2. Demand customization
Work with insurers who provide clear explanations of policy terms, pricing, and claims processes. NEXT offers resources like their Business Insurance Basics explainer, Insurance Glossary, and Small Business Blog to help you make informed decisions about your coverage.
3. Prioritize transparency
Look beyond minimum legal requirements to identify and cover the specific vulnerabilities your business faces. NEXT offers tailored solutions that meet your industry’s specific needs, from a Business Owner’s Policy (BOP) to Workers’ Comp to Professional Liability to E&O Insurance and more.
4. Understand your unique risks
The Simple Path to Better Coverage
The transition to NEXT is designed to be seamless. Their platform eliminates complicated paperwork and phone calls, allowing you to get comprehensive coverage quickly while managing your policies 24/7 via web or mobile app.
As NEXT customer Michael D. attests after 15 years in business: "I've NEVER had a more pleasant experience dealing with an insurance company. It was easy, cheap, and very user-friendly."
Small business ownership presents enough challenges—your insurance shouldn't be one of them. By switching to coverage built around the specific needs of modern entrepreneurs, you're not just buying a policy; you're investing in your business's future with protection that works as hard as you do.
With over 1,300 different types of businesses covered, thousands of positive reviews, and a
4.7/5 customer rating, it’s time to discover what thousands else have already.
Despite the critical importance of proper coverage, NEXT research reveals a concerning trend: 90% of small business owners lack confidence they have enough insurance, and a staggering 96% don't fully understand general liability insurance—one of the most fundamental policies for protecting a business.
“Nobody wants to go through the hassle of reading everything there is to know about insurance,” says NEXT customer Neil Newcomb, owner of ATL ProWinds, an instrument repair shop. “With as much liability we have lying around, not having the right insurance would put my personal assets at risk.”
This knowledge gap creates dangerous exposure. Without adequate understanding of your coverage needs, your business remains vulnerable to potentially devastating financial losses from claims or lawsuits that could have been easily covered with the right policy.
NEXT Insurance was built specifically to address these challenges, with a focus on simplicity, customization, and accessibility. As Chris Rhodes, Chief Insurance Officer at NEXT, explains, “At NEXT Insurance, we come to work every single day focused on serving small business owners. In that focus, we're able to simplify the purchase process, service claims, and provide coverage to make insurance easy."
The benefits of transitioning to NEXT include:
When incidents occur, quick resolution is crucial. NEXT's streamlined claims process delivers when it matters most, as experienced by Roshanda King, owner of Rozay's Boutique, who filed a claim that NEXT paid out in less than 24 hours.
3. Peace of Mind Through Responsive Claims Support
Use online resources to compare policies and receive customized quotes tailored to your specific needs. NEXT offers instant quotes for easy comparison.
2. Demand customization
Don't settle for generic coverage. Ensure your policy addresses your particular industry risks without paying for unnecessary protection. NEXT offers tailored solutions for over 1,300 types of businesses, from Amazon sellers to Yoga instructors and everything in between.
3. Prioritize transparency
Work with insurers who provide clear explanations of policy terms, pricing, and claims processes. NEXT offers resources like their Business Insurance Basics explainer, Insurance glossary, and Small Business Blog to help you make informed decisions about your coverage.
4. Understand your unique risks
Look beyond minimum legal requirements to identify and cover the specific vulnerabilities your business faces. NEXT offers tailored solutions that meet your industry’s specific needs, from a Business Owner’s Policy (BOP) to Workers’ Comp to Professional Liability to E&O Insurance and more.
